Effects of Borrower Characteristics on Loan Repayment

Investigation Overview

In this investigation, I wanted to look at the characteristics of Loan Borrowers that could be used to predict their loan repayment behaviour. The main focus was on:

• Home ownership
• Monthly Income
• Credit Score
• Borrower State
• Employment Status

Dataset Overview

The cleaned data consisted of Loan borrower information of 83,507 loan borrowers, with each entry having 15 attributes. The attributes include the above listed borrower traits of interest among others

Distribution of Stated Monthly Income

Stated Monthly Income refers to the amount that a borrower indicated as the amount they receive as monthly payment from their occupation or employment opportunity.

Distribution of Borrowers in every state

Number of Borrowers grouped by Occupation

Loan Borrowers grouped by Home Ownership

Stated Monthly Salary Versus Montly Loan Payment

Credit Score Mid_range versus Monthly Loan Payment

Monthly Loan Payment by Employment Status